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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.06
AF's Cash to Debt is ranked lower than
96% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. AF: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
AF' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.06 Max: 0.68
Current: 0.06
0.02
0.68
Equity to Asset 0.10
AF's Equity to Asset is ranked higher than
51% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. AF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
AF' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.1
0.05
0.1
Interest Coverage 0.81
AF's Interest Coverage is ranked lower than
69% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. AF: 0.81 )
Ranked among companies with meaningful Interest Coverage only.
AF' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.34 Max: 0.81
Current: 0.81
0.07
0.81
F-Score: 4
WACC vs ROIC
4.68%
1.92%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 30.77
AF's Operating margin (%) is ranked higher than
54% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. AF: 30.77 )
Ranked among companies with meaningful Operating margin (%) only.
AF' s 10-Year Operating margin (%) Range
Min: 7.57  Med: 44.15 Max: 64.97
Current: 30.77
7.57
64.97
Net-margin (%) 21.23
AF's Net-margin (%) is ranked higher than
50% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. AF: 21.23 )
Ranked among companies with meaningful Net-margin (%) only.
AF' s 10-Year Net-margin (%) Range
Min: 5.44  Med: 26.18 Max: 43.44
Current: 21.23
5.44
43.44
ROE (%) 5.29
AF's ROE (%) is ranked lower than
70% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. AF: 5.29 )
Ranked among companies with meaningful ROE (%) only.
AF' s 10-Year ROE (%) Range
Min: 2.32  Med: 11.59 Max: 17.73
Current: 5.29
2.32
17.73
ROA (%) 0.54
AF's ROA (%) is ranked lower than
67% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. AF: 0.54 )
Ranked among companies with meaningful ROA (%) only.
AF' s 10-Year ROA (%) Range
Min: 0.13  Med: 0.80 Max: 1.12
Current: 0.54
0.13
1.12
ROC (Joel Greenblatt) (%) 109.05
AF's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. AF: 109.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.73  Med: 123.28 Max: 296.16
Current: 109.05
17.73
296.16
Revenue Growth (3Y)(%) -5.30
AF's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. AF: -5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.9  Med: 4.30 Max: 13.5
Current: -5.3
-8.9
13.5
EBITDA Growth (3Y)(%) 3.30
AF's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. AF: 3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.3  Med: 3.30 Max: 42.2
Current: 3.3
-43.3
42.2
EPS Growth (3Y)(%) 7.30
AF's EPS Growth (3Y)(%) is ranked lower than
56% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. AF: 7.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AF' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.4  Med: 4.90 Max: 72.5
Current: 7.3
-44.4
72.5
» AF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

AF Guru Trades in Q2 2014

Bernard Horn 152,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 485,450 sh (-25.95%)
» More
Q3 2014

AF Guru Trades in Q3 2014

Bernard Horn 227,404 sh (+49.21%)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 393,450 sh (-18.95%)
» More
Q4 2014

AF Guru Trades in Q4 2014

Jim Simons 456,750 sh (+16.09%)
Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
» More
Q1 2015

AF Guru Trades in Q1 2015

Bernard Horn 227,404 sh (unchged)
Kahn Brothers 17,685 sh (unchged)
Jim Simons 401,850 sh (-12.02%)
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC24.874.90

Ratios

vs
industry
vs
history
P/E(ttm) 18.32
AF's P/E(ttm) is ranked lower than
71% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. AF: 18.32 )
Ranked among companies with meaningful P/E(ttm) only.
AF' s 10-Year P/E(ttm) Range
Min: 7.82  Med: 16.64 Max: 48.6
Current: 18.32
7.82
48.6
Forward P/E 21.51
AF's Forward P/E is ranked lower than
93% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. AF: 21.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.80
AF's PE(NRI) is ranked lower than
72% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. AF: 18.80 )
Ranked among companies with meaningful PE(NRI) only.
AF' s 10-Year PE(NRI) Range
Min: 7.71  Med: 16.61 Max: 48.46
Current: 18.8
7.71
48.46
P/B 0.95
AF's P/B is ranked higher than
64% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. AF: 0.95 )
Ranked among companies with meaningful P/B only.
AF' s 10-Year P/B Range
Min: 0.5  Med: 1.04 Max: 2.51
Current: 0.95
0.5
2.51
P/S 3.45
AF's P/S is ranked lower than
60% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. AF: 3.45 )
Ranked among companies with meaningful P/S only.
AF' s 10-Year P/S Range
Min: 1.3  Med: 3.17 Max: 6.58
Current: 3.45
1.3
6.58
PFCF 14.37
AF's PFCF is ranked lower than
62% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. AF: 14.37 )
Ranked among companies with meaningful PFCF only.
AF' s 10-Year PFCF Range
Min: 2.22  Med: 7.29 Max: 14.84
Current: 14.37
2.22
14.84
POCF 12.75
AF's POCF is ranked lower than
64% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. AF: 12.75 )
Ranked among companies with meaningful POCF only.
AF' s 10-Year POCF Range
Min: 2.12  Med: 6.96 Max: 14.11
Current: 12.75
2.12
14.11
EV-to-EBIT 33.24
AF's EV-to-EBIT is ranked lower than
84% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. AF: 33.24 )
Ranked among companies with meaningful EV-to-EBIT only.
AF' s 10-Year EV-to-EBIT Range
Min: 11.4  Med: 32.90 Max: 132.1
Current: 33.24
11.4
132.1
PEG 1.59
AF's PEG is ranked lower than
64% of the 542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. AF: 1.59 )
Ranked among companies with meaningful PEG only.
AF' s 10-Year PEG Range
Min: 1.51  Med: 2.49 Max: 31.07
Current: 1.59
1.51
31.07
Shiller P/E 20.27
AF's Shiller P/E is ranked lower than
63% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. AF: 20.27 )
Ranked among companies with meaningful Shiller P/E only.
AF' s 10-Year Shiller P/E Range
Min: 3.58  Med: 12.70 Max: 21.46
Current: 20.27
3.58
21.46
Days Sales Outstanding 34.46
AF's Days Sales Outstanding is ranked higher than
51% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. AF: 34.46 )
Ranked among companies with meaningful Days Sales Outstanding only.
AF' s 10-Year Days Sales Outstanding Range
Min: 33.64  Med: 56.88 Max: 79.88
Current: 34.46
33.64
79.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.16
AF's Dividend Yield is ranked lower than
84% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. AF: 1.16 )
Ranked among companies with meaningful Dividend Yield only.
AF' s 10-Year Dividend Yield Range
Min: 1.11  Med: 3.49 Max: 15.85
Current: 1.16
1.11
15.85
Dividend Payout 0.21
AF's Dividend Payout is ranked higher than
73% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. AF: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
AF' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.31 Max: 4.33
Current: 0.21
0.13
4.33
Dividend growth (3y) -32.50
AF's Dividend growth (3y) is ranked lower than
89% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. AF: -32.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
AF' s 10-Year Dividend growth (3y) Range
Min: -32.5  Med: 16.00 Max: 58.5
Current: -32.5
-32.5
58.5
Yield on cost (5-Year) 0.27
AF's Yield on cost (5-Year) is ranked lower than
98% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. AF: 0.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AF' s 10-Year Yield on cost (5-Year) Range
Min: 0.26  Med: 0.82 Max: 3.71
Current: 0.27
0.26
3.71
Share Buyback Rate -1.80
AF's Share Buyback Rate is ranked lower than
53% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. AF: -1.80 )
Ranked among companies with meaningful Share Buyback Rate only.
AF' s 10-Year Share Buyback Rate Range
Min: 7.4  Med: 2.30 Max: -34.8
Current: -1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
AF's Price/Tangible Book is ranked higher than
56% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. AF: 1.08 )
Ranked among companies with meaningful Price/Tangible Book only.
AF' s 10-Year Price/Tangible Book Range
Min: 0.69  Med: 1.61 Max: 2.95
Current: 1.08
0.69
2.95
Price/Projected FCF 0.45
AF's Price/Projected FCF is ranked higher than
74% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. AF: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
AF' s 10-Year Price/Projected FCF Range
Min: 0.23  Med: 0.56 Max: 0.92
Current: 0.45
0.23
0.92
Price/Median PS Value 1.09
AF's Price/Median PS Value is ranked higher than
50% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. AF: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
AF' s 10-Year Price/Median PS Value Range
Min: 0.48  Med: 1.23 Max: 2.1
Current: 1.09
0.48
2.1
Price/Graham Number 0.85
AF's Price/Graham Number is ranked higher than
52% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. AF: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
AF' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.01 Max: 2.25
Current: 0.85
0.54
2.25
Earnings Yield (Greenblatt) (%) 3.00
AF's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. AF: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 3.00 Max: 8.7
Current: 3
0.8
8.7
Forward Rate of Return (Yacktman) (%) 15.45
AF's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. AF: 15.45 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -18.9  Med: 11.60 Max: 24.4
Current: 15.45
-18.9
24.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.
» More Articles for AF

Headlines

Articles On GuruFocus.com
AlarmForce Announces Normal Course Issuer Bid Jun 29 2015 
AlarmForce Announces New CEO and CFO Oct 15 2014 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Shares of Astoria Fi Oct 10 2011 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) May 07 2010 

More From Other Websites
ASTORIA FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jun 23 2015
Astoria Financial Corporation Announces The Disclosure Of 2015 Dodd-Frank Act Stress Test ("DFAST")... Jun 23 2015
Astoria Financial Corporation Announces The Disclosure Of 2015 Dodd-Frank Act Stress Test ("DFAST")... Jun 23 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events Jun 18 2015
Astoria Bank Announces Its Lead Sponsorship of July 4th Fireworks at Jones Beach Jun 17 2015
Astoria Fincl upgraded by Guggenheim Jun 08 2015
Why the Abercrombie Turnaround May Get Worse Before It Gets Better Jun 04 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 29 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 28 2015
ASTORIA FINANCIAL CORP Financials May 15 2015
10-Q for Astoria Financial Corp. May 11 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K/A, Regulation FD Disclosure, Financial Statements and... May 08 2015
ASTORIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 06 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 23 2015
Astoria Financial Corp Earnings Call scheduled for 10:00 am ET today Apr 23 2015
Astoria Financial beats Street 1Q forecasts Apr 22 2015
Astoria Financial beats Street 1Q forecasts Apr 22 2015
Astoria Financial Corporation Reports 2015 First Quarter Earnings Per Common Share Of $0.17 Apr 22 2015
Astoria Financial Corporation Reports 2015 First Quarter Earnings Per Common Share Of $0.17 Apr 22 2015

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